Rummy, I don't agree with any of your points regarding blaming the banks/institutions personally. I don't think we all trust the banks simply to keep our money safe, if that was all I'm sure many people would keep most money somewhere they felt it secure in a place such as their homes where they can rely on themselves.
We trust the banks not to misappropriate our money and not be able to return it. Besides blaming the banks is fine for the economic crisis because it isn't necessarily our money, it is the actions they took regarding money they never really had and doing other non-plausible actions that most sensible people would realise was not a good idea!
I definitely believe that if a thief/hacker breaks into something, you can hardly blame those being robbed for not having enough security, how can you quantify/predict the amount of security needed?
Ramble ramble ramble, think I've mainly reiterated above people's points/ made nonsensical opinions, it may be the whole victoria spongecake sugar rush I'm currently having :p